Text|Liu Yanhui.
Card swiping scenarios are scarce, scanning codes and tying cards are cumbersome, and cash change is ...... blockedRecently, the topic of "foreigners have money in China and it is difficult to spend" has aroused widespread concern in the society.
At present, China's mobile payment penetration rate has reached 86%, ranking first in the world, which can be said to be a business card to be proud of. However, with the rapid development of mobile payment during the epidemic prevention and control period and the implementation of measures to facilitate the exchange of people between China and foreign countries after the epidemic, the problem of "difficult payment" has become more prominent. According to the data, last year, the national border inspection authorities inspected a total of 2 people entering the country100 million passengers, which has recovered to 62 in 20199%。The increasingly active flow of people across borders has made it more urgent to open up the stuck points and blockages in the business, study and tourism of foreigners coming to China to do business, study and travel.
Payments are the basis of economic activity. "Money is hard to spend" not only affects the consumption experience of overseas people coming to China, but to a certain extent, it is also a major issue related to the release of consumption potential and the smooth domestic and international dual circulation. Whether it is the digital divide in the payment field or the "financial exclusion", it is urgent to make the payment industry ecosystem open and diversified. It is worth noting that while further improving the payment facilitation of overseas people coming to China, it is also necessary to incorporate the diverse habits of the elderly, rural residents and other groups into the decision-making vision, and provide them with accurate and inclusive payment services, such as combining online and offline, traditional and digital payments, and appropriately retaining certain outlets, cash deposit and withdrawal facilities, etc. In the long run, it will help promote the expansion and quality of production, distribution, circulation, consumption and other links, and promote the formation of new domestic demand growth points.
In fact, the relevant deployments and operations have already been carried out from top to bottom. Following the People's Bank of China said at the end of last year that "it is advancing various tasks in an orderly manner in accordance with the solution of 'large-value card swiping, small-amount code scanning, and cash pocketing'", on February 23, the ** executive meeting deliberated and adopted the "Opinions on Further Optimizing Payment Services and Improving Payment Convenience", and stressed the need to focus on the inconvenience of payment for the elderly, foreign personnel and other groups, strengthen coordination, increase necessary resource investment, take multiple measures to open up service blockages, and promote mobile payment, bank cards, Cash and other payment methods have developed in parallel and complement each other. The top-level design and systematic arrangements have sent a strong signal to improve the inclusive payment system, which is highly anticipated by all parties.
From continuously optimizing the cash use environment, to supporting Hong Kong and Macao people to open bank card accounts, to innovating the digital yuan hard wallet ......In the mainland cities of the Guangdong-Hong Kong-Macao Greater Bay Area, a series of innovative measures for Hong Kong and Macao residents have made it possible for "Bay Area people" to enjoy the same high-quality, safe and convenient payment services, which has certain reference significance. It is believed that with the official release of the Opinions and the joint efforts of all parties, the relevant work will achieve positive results, make exchanges between Chinese and foreign personnel more convenient, and let the development of digital payment be shared by the whole people, open and shared.
Author] Liu Yanhui.
The Southern Review